资金利用率银行信贷流向及其金融风险控制＊.PDFVIP

资金利用率、银行信贷流向 及其金融风险控制* Utilization of Funds, Flow of Bank Credit and Financial Risk Control 陶士贵 叶亚飞 内容提要 我国对金融业的管控一直存在。 从银行角度看，金融管控会造成银行信贷大量流向国有企业和地方 融资平台，过高的信贷集中度提高了银行不良贷款率、降低了资金利用效率从政府角度看，加重了政府财政负 ; 担，国有企业的垄断性经营影响了经济结构。此外，管控下的金融资源并非如政府所愿流向实体经济，而是违背 政策意愿，阻碍了对外投资。解决这些问题的关键在于加大民营金融机构的建设，取消所有制“歧视”，放松外汇 管制和深化金融改革。 关键词 金融管控 银行信贷 商业银行运作 作者单位 南京师范大学商学院 江苏南京 210023 Tao Shigui Ye Yafei Abstract: The management and control in finance has always existed in our country. From the perspective of banks, a large of funds in banks flow into the state -owned enterprises and local financing platform because of the government ’s control, as a result, excessive concentration of credit increases the banks ’ NPL and decreases the efficiency of fund utilization; From the government ’s point of view, government ’s control increases burden on government finances, and the monopoly operating of state-owned enterprises has an impact on China ’s economic structure. Furthermore, the financial resources under the management and control do not flow into the real economy as the government ’s wishes, but depart from the state ’s willing and hinder China ’s foreign investment. The keys to solving these problems are intensifying the construction of private financial institutions, canceling the “discrimination” to ownership, relaxing the exchange controls and deepening the financial reform. Key words: the management and control in finance,